(UVE) Universal Insurance Holdings - Overview
Sector: Financial ServicesIndustry: Insurance - Property & Casualty | Exchange NYSE (USA) | Currency USD | Market Cap: 978m | Total Return 59.4% in 12m
Stock: Home Insurance, Renters Insurance, Condo Insurance, Liability Coverage
Total Rating 77
Risk 87
Buy Signal -0.26
| Risk 5d forecast | |
|---|---|
| Volatility | 34.4% |
| Relative Tail Risk | -8.15% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.38 |
| Alpha | 49.11 |
| Character TTM | |
|---|---|
| Beta | 0.571 |
| Beta Downside | 0.614 |
| Drawdowns 3y | |
|---|---|
| Max DD | 37.93% |
| CAGR/Max DD | 0.69 |
EPS (Earnings per Share)
Revenue
Description: UVE Universal Insurance Holdings March 04, 2026
Universal Insurance Holdings, Inc. (UVE) is an integrated insurance holding company operating in the United States. The company specializes in personal residential insurance, a segment of the property and casualty insurance sector, offering policies such as homeowners, renters, and dwelling fire coverage.
UVEs business model encompasses a wide range of insurance operations. These include actuarial advising, claims administration, underwriting, and reinsurance negotiations. The company also manages its own digital insurance agency, Clovered.com, and distributes products through an independent agency network and direct-to-consumer online channels.
For deeper insights into UVEs financial performance and market position, consider exploring its profile on ValueRay.
Headlines to watch out for
- Florida hurricane activity impacts claims and reinsurance costs
- Homeowners insurance premium growth drives revenue
- Investment income from fixed-income portfolio
- Regulatory changes affect underwriting and pricing
- Reinsurance market conditions influence profitability
Piotroski VR‑10 (Strict, 0-10) 8.0
| Net Income: 183.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.16 > 0.02 and ΔFCF/TA 11.57 > 1.0 |
| NWC/Revenue: 32.77% < 20% (prev 64.09%; Δ -31.32% < -1%) |
| CFO/TA 0.16 > 3% & CFO 381.5m > Net Income 183.0m |
| Net Debt (-377.4m) to EBITDA (256.0m): -1.47 < 3 |
| Current Ratio: 19.39 > 1.5 & < 3 |
| Outstanding Shares: last quarter (28.8m) vs 12m ago -1.06% < -2% |
| Gross Margin: 26.84% > 18% (prev 0.13%; Δ 2.67k% > 0.5%) |
| Asset Turnover: 61.68% > 50% (prev 53.50%; Δ 8.18% > 0%) |
| Interest Coverage Ratio: 18.64 > 6 (EBITDA TTM 256.0m / Interest Expense TTM 4.83m) |
Altman Z'' 3.17
| A: 0.22 (Total Current Assets 553.6m - Total Current Liabilities 28.6m) / Total Assets 2.35b |
| B: 0.32 (Retained Earnings 757.4m / Total Assets 2.35b) |
| C: 0.03 (EBIT TTM 90.0m / Avg Total Assets 2.60b) |
| D: 0.41 (Book Value of Equity 731.8m / Total Liabilities 1.80b) |
| Altman-Z'' Score: 3.17 = A |
Beneish M -3.81
| DSRI: 0.10 (Receivables 75.7m/705.6m, Revenue 1.60b/1.52b) |
| GMI: 0.49 (GM 26.84% / 13.14%) |
| AQI: 1.78 (AQ_t 0.74 / AQ_t-1 0.42) |
| SGI: 1.05 (Revenue 1.60b / 1.52b) |
| TATA: -0.08 (NI 183.0m - CFO 381.5m) / TA 2.35b) |
| Beneish M-Score: -3.81 (Cap -4..+1) = AAA |
What is the price of UVE shares?
As of March 26, 2026, the stock is trading at USD 34.19 with a total of 224,900 shares traded.
Over the past week, the price has changed by +2.58%, over one month by +5.03%, over three months by +1.55% and over the past year by +59.40%.
Over the past week, the price has changed by +2.58%, over one month by +5.03%, over three months by +1.55% and over the past year by +59.40%.
Is UVE a buy, sell or hold?
Universal Insurance Holdings has received a consensus analysts rating of 4.00.
Therefore, it is recommended to buy UVE.
- StrongBuy: 0
- Buy: 1
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the UVE price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 40 | 17% |
| Analysts Target Price | 40 | 17% |
UVE Fundamental Data Overview March 25, 2026
P/E Trailing = 5.4062
P/E Forward = 9.98
P/S = 0.6098
P/B = 1.7724
Revenue TTM = 1.60b USD
EBIT TTM = 90.0m USD
EBITDA TTM = 256.0m USD
Long Term Debt = 100.5m USD (from longTermDebt, last quarter)
Short Term Debt = 101.1m USD (from shortTermDebt, last fiscal year)
Debt = 100.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -377.4m USD (from netDebt column, last quarter)
Enterprise Value = 506.8m USD (978.1m + Debt 100.5m - CCE 571.8m)
Interest Coverage Ratio = 18.64 (Ebit TTM 90.0m / Interest Expense TTM 4.83m)
EV/FCF = 1.34x (Enterprise Value 506.8m / FCF TTM 377.1m)
FCF Yield = 74.41% (FCF TTM 377.1m / Enterprise Value 506.8m)
FCF Margin = 23.54% (FCF TTM 377.1m / Revenue TTM 1.60b)
Net Margin = 11.42% (Net Income TTM 183.0m / Revenue TTM 1.60b)
Gross Margin = 26.84% ((Revenue TTM 1.60b - Cost of Revenue TTM 1.17b) / Revenue TTM)
Gross Margin QoQ = 45.13% (prev 21.22%)
Tobins Q-Ratio = 0.22 (Enterprise Value 506.8m / Total Assets 2.35b)
Interest Expense / Debt = 0.54% (Interest Expense 540k / Debt 100.5m)
Taxrate = 24.72% (21.9m / 88.5m)
NOPAT = 67.8m (EBIT 90.0m * (1 - 24.72%))
Current Ratio = 19.39 (Total Current Assets 553.6m / Total Current Liabilities 28.6m)
Debt / Equity = 0.18 (Debt 100.5m / totalStockholderEquity, last quarter 551.0m)
Debt / EBITDA = -1.47 (Net Debt -377.4m / EBITDA 256.0m)
Debt / FCF = -1.00 (Net Debt -377.4m / FCF TTM 377.1m)
Total Stockholder Equity = 481.6m (last 4 quarters mean from totalStockholderEquity)
RoA = 7.04% (Net Income 183.0m / Total Assets 2.35b)
RoE = 37.99% (Net Income TTM 183.0m / Total Stockholder Equity 481.6m)
RoCE = 15.47% (EBIT 90.0m / Capital Employed (Equity 481.6m + L.T.Debt 100.5m))
RoIC = 11.64% (NOPAT 67.8m / Invested Capital 582.3m)
WACC = 7.28% (E(978.1m)/V(1.08b) * Re(7.99%) + D(100.5m)/V(1.08b) * Rd(0.54%) * (1-Tc(0.25)))
Discount Rate = 7.99% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.16%
[DCF] Terminal Value 83.65% ; FCFF base≈276.9m ; Y1≈332.6m ; Y5≈533.4m
[DCF] Fair Price = 398.7 (EV 10.79b - Net Debt -377.4m = Equity 11.17b / Shares 28.0m; r=7.28% [WACC]; 5y FCF grow 21.46% → 3.0% )
EPS Correlation: 44.25 | EPS CAGR: 38.50% | SUE: 3.42 | # QB: 4
Revenue Correlation: 95.35 | Revenue CAGR: 9.64% | SUE: 0.74 | # QB: 0
EPS next Quarter (2026-06-30): EPS=1.43 | Chg7d=-0.020 | Chg30d=-0.020 | Revisions Net=-1 | Analysts=1
EPS current Year (2026-12-31): EPS=4.00 | Chg7d=+0.660 | Chg30d=+0.660 | Revisions Net=+1 | Growth EPS=-35.5% | Growth Revenue=-6.1%
EPS next Year (2027-12-31): EPS=4.00 | Chg7d=+0.250 | Chg30d=+0.250 | Revisions Net=+1 | Growth EPS=+0.0% | Growth Revenue=+2.8%
P/E Forward = 9.98
P/S = 0.6098
P/B = 1.7724
Revenue TTM = 1.60b USD
EBIT TTM = 90.0m USD
EBITDA TTM = 256.0m USD
Long Term Debt = 100.5m USD (from longTermDebt, last quarter)
Short Term Debt = 101.1m USD (from shortTermDebt, last fiscal year)
Debt = 100.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -377.4m USD (from netDebt column, last quarter)
Enterprise Value = 506.8m USD (978.1m + Debt 100.5m - CCE 571.8m)
Interest Coverage Ratio = 18.64 (Ebit TTM 90.0m / Interest Expense TTM 4.83m)
EV/FCF = 1.34x (Enterprise Value 506.8m / FCF TTM 377.1m)
FCF Yield = 74.41% (FCF TTM 377.1m / Enterprise Value 506.8m)
FCF Margin = 23.54% (FCF TTM 377.1m / Revenue TTM 1.60b)
Net Margin = 11.42% (Net Income TTM 183.0m / Revenue TTM 1.60b)
Gross Margin = 26.84% ((Revenue TTM 1.60b - Cost of Revenue TTM 1.17b) / Revenue TTM)
Gross Margin QoQ = 45.13% (prev 21.22%)
Tobins Q-Ratio = 0.22 (Enterprise Value 506.8m / Total Assets 2.35b)
Interest Expense / Debt = 0.54% (Interest Expense 540k / Debt 100.5m)
Taxrate = 24.72% (21.9m / 88.5m)
NOPAT = 67.8m (EBIT 90.0m * (1 - 24.72%))
Current Ratio = 19.39 (Total Current Assets 553.6m / Total Current Liabilities 28.6m)
Debt / Equity = 0.18 (Debt 100.5m / totalStockholderEquity, last quarter 551.0m)
Debt / EBITDA = -1.47 (Net Debt -377.4m / EBITDA 256.0m)
Debt / FCF = -1.00 (Net Debt -377.4m / FCF TTM 377.1m)
Total Stockholder Equity = 481.6m (last 4 quarters mean from totalStockholderEquity)
RoA = 7.04% (Net Income 183.0m / Total Assets 2.35b)
RoE = 37.99% (Net Income TTM 183.0m / Total Stockholder Equity 481.6m)
RoCE = 15.47% (EBIT 90.0m / Capital Employed (Equity 481.6m + L.T.Debt 100.5m))
RoIC = 11.64% (NOPAT 67.8m / Invested Capital 582.3m)
WACC = 7.28% (E(978.1m)/V(1.08b) * Re(7.99%) + D(100.5m)/V(1.08b) * Rd(0.54%) * (1-Tc(0.25)))
Discount Rate = 7.99% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.16%
[DCF] Terminal Value 83.65% ; FCFF base≈276.9m ; Y1≈332.6m ; Y5≈533.4m
[DCF] Fair Price = 398.7 (EV 10.79b - Net Debt -377.4m = Equity 11.17b / Shares 28.0m; r=7.28% [WACC]; 5y FCF grow 21.46% → 3.0% )
EPS Correlation: 44.25 | EPS CAGR: 38.50% | SUE: 3.42 | # QB: 4
Revenue Correlation: 95.35 | Revenue CAGR: 9.64% | SUE: 0.74 | # QB: 0
EPS next Quarter (2026-06-30): EPS=1.43 | Chg7d=-0.020 | Chg30d=-0.020 | Revisions Net=-1 | Analysts=1
EPS current Year (2026-12-31): EPS=4.00 | Chg7d=+0.660 | Chg30d=+0.660 | Revisions Net=+1 | Growth EPS=-35.5% | Growth Revenue=-6.1%
EPS next Year (2027-12-31): EPS=4.00 | Chg7d=+0.250 | Chg30d=+0.250 | Revisions Net=+1 | Growth EPS=+0.0% | Growth Revenue=+2.8%